The respondent was sued after his son was injured while driving a go-kart on a private track.
The respondent sought coverage and a defence from his automobile insurer.
The insurer brought a motion to determine whether a go-kart is an 'automobile' under the standard Ontario automobile insurance contract.
The motion judge found that a go-kart is an automobile because it is capable of being driven on a highway.
The Court of Appeal allowed the insurer's appeal, holding that the proper question is whether the vehicle required motor vehicle insurance at the time and in the circumstances of the accident.
Because the go-kart was operated on a private track, it did not require insurance and was not an 'automobile' under the policy.